I’m planning a frugal year for 2008 so it’s to spend wisely and only on needs, planned purchases and emergency replacements, so if I can do without it I will.

So planning a very minimum frugal year using what in the house or can be borrowed. This includes some food items, laundry & toilet paper, toiletries, linen, household goods, cookware, books, clothes & underwear etc, (buying only if I change sizes too much in clothing).

~ No Spending but for planned items. (If I have an item in the house or can borrow it, then I’m to use that first.)
~ Have my credit card at Zero balance by end of the each month.
~ Come under budget each month and deposit into the online accounts any leftover amounts.
~ Pay All Due Bills on pension days or ahead of time. (As my budget is now in Excel, I can see a working model of these figures. When due and approx amount needed for each month.)
~ As I have two gift vouchers from Christmas so that I can buy items on my need list or items for next Christmas gifts as one is a store voucher for January only. I do limit myself to extra $10.00 only if buying gifts for others.
~ Chiro visit (one every 4 weeks)
~ Known outings are budgeted for, as social events.
~ Making and setting up emergency survival kit & resources.
~ Saving as much cash I can for a new stove & oven later in the year. (Nothing fancy)

I have only two major projects other than new stove on the calendar next year, one is a must do (I have funding saved), and the other could go one more year. Both cost thousands of dollars and on a pension with limited fund I need to come up with little challenges to make them happen.